(UVE) Universal Insurance Holdings - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US91359V1070
Homeowners, Renters, Condo, Dwelling, Fire
Dividends
| Dividend Yield | 1.94% |
| Yield on Cost 5y | 5.15% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 76.5% |
| Payout Ratio | 15.0% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 33.7% |
| Value at Risk 5%th | 51.8% |
| Relative Tail Risk | -6.36% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.41 |
| Alpha | 50.58 |
| CAGR/Max DD | 1.49 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.405 |
| Beta | 0.473 |
| Beta Downside | 0.576 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.93% |
| Mean DD | 10.22% |
| Median DD | 8.23% |
Description: UVE Universal Insurance Holdings October 21, 2025
Universal Insurance Holdings, Inc. (NYSE: UVE) is an integrated U.S. property-and-casualty insurer that underwrites personal residential lines-including homeowners, renters, condo owners, and dwelling/fire coverage-through a mix of independent agents, direct-to-consumer online channels, and its proprietary digital agency, Clovered.com. The firm also handles actuarial analysis, claims administration, underwriting, reinsurance placement, and portfolio-level risk pricing.
Key operating metrics (as of the most recent FY 2023 filing) show a combined ratio of roughly 96%, indicating underwriting profitability, and net written premiums of about $1.2 billion, with a 5-year CAGR of 3% driven partly by steady population growth in Sun Belt states. The business is sensitive to hurricane activity and interest-rate movements, as higher rates can boost investment income while severe weather spikes loss ratios; the sector’s overall loss-adjusted combined ratio has hovered near 98% in 2024, reflecting a modest improvement in underwriting discipline across the industry.
For a deeper quantitative assessment, you may find ValueRay’s analytics platform useful for benchmarking UVE against peers.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (122.4m TTM) > 0 and > 6% of Revenue (6% = 94.8m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 34.98% (prev 61.76%; Δ -26.78pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 254.1m > Net Income 122.4m (YES >=105%, WARN >=100%) |
| Net Debt (-304.4m) to EBITDA (167.7m) ratio: -1.82 <= 3.0 (WARN <= 3.5) |
| Current Ratio 151.9 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (28.8m) change vs 12m ago 1.60% (target <= -2.0% for YES) |
| Gross Margin 17.81% (prev 14.19%; Δ 3.62pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 55.08% (prev 57.01%; Δ -1.94pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.53 (EBITDA TTM 167.7m / Interest Expense TTM 5.73m) >= 6 (WARN >= 3) |
Altman Z'' 2.20
| (A) 0.18 = (Total Current Assets 556.6m - Total Current Liabilities 3.66m) / Total Assets 3.09b |
| (B) 0.23 = Retained Earnings (Balance) 699.4m / Total Assets 3.09b |
| (C) 0.00 = EBIT TTM 8.78m / Avg Total Assets 2.87b |
| (D) 0.26 = Book Value of Equity 669.2m / Total Liabilities 2.59b |
| Total Rating: 2.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 67.59
| 1. Piotroski 4.0pt |
| 2. FCF Yield 41.93% |
| 3. FCF Margin 15.80% |
| 4. Debt/Equity 0.20 |
| 5. Debt/Ebitda -1.82 |
| 6. ROIC - WACC (= -5.86)% |
| 7. RoE 28.00% |
| 8. Rev. Trend 96.31% |
| 9. EPS Trend 48.38% |
What is the price of UVE shares?
As of December 14, 2025, the stock is trading at USD 33.02 with a total of 132,476 shares traded.
Over the past week, the price has changed by +6.07%, over one month by -3.78%, over three months by +30.70% and over the past year by +60.24%.
Over the past week, the price has changed by +6.07%, over one month by -3.78%, over three months by +30.70% and over the past year by +60.24%.
Is UVE a buy, sell or hold?
Universal Insurance Holdings has received a consensus analysts rating of 4.00.
Therefore, it is recommended to buy UVE.
- Strong Buy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the UVE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 35 | 6% |
| Analysts Target Price | 35 | 6% |
| ValueRay Target Price | 49.3 | 49.3% |
UVE Fundamental Data Overview December 12, 2025
Market Cap USD = 900.2m (900.2m USD * 1.0 USD.USD)
P/E Trailing = 7.4976
P/S = 0.5695
P/B = 1.8108
Beta = 0.748
Revenue TTM = 1.58b USD
EBIT TTM = 8.78m USD
EBITDA TTM = 167.7m USD
Long Term Debt = 100.7m USD (from longTermDebt, last quarter)
Short Term Debt = 6.62m USD (from shortTermDebt, last quarter)
Debt = 100.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -304.4m USD (from netDebt column, last quarter)
Enterprise Value = 595.8m USD (900.2m + Debt 100.7m - CCE 405.1m)
Interest Coverage Ratio = 1.53 (Ebit TTM 8.78m / Interest Expense TTM 5.73m)
FCF Yield = 41.93% (FCF TTM 249.8m / Enterprise Value 595.8m)
FCF Margin = 15.80% (FCF TTM 249.8m / Revenue TTM 1.58b)
Net Margin = 7.74% (Net Income TTM 122.4m / Revenue TTM 1.58b)
Gross Margin = 17.81% ((Revenue TTM 1.58b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Gross Margin QoQ = 21.22% (prev 19.48%)
Tobins Q-Ratio = 0.19 (Enterprise Value 595.8m / Total Assets 3.09b)
Interest Expense / Debt = 1.42% (Interest Expense 1.43m / Debt 100.7m)
Taxrate = 24.53% (12.9m / 52.8m)
NOPAT = 6.63m (EBIT 8.78m * (1 - 24.53%))
Current Ratio = 151.9 (out of range, set to none) (Total Current Assets 556.6m / Total Current Liabilities 3.66m)
Debt / Equity = 0.20 (Debt 100.7m / totalStockholderEquity, last quarter 495.0m)
Debt / EBITDA = -1.82 (Net Debt -304.4m / EBITDA 167.7m)
Debt / FCF = -1.22 (Net Debt -304.4m / FCF TTM 249.8m)
Total Stockholder Equity = 437.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.96% (Net Income 122.4m / Total Assets 3.09b)
RoE = 28.00% (Net Income TTM 122.4m / Total Stockholder Equity 437.1m)
RoCE = 1.63% (EBIT 8.78m / Capital Employed (Equity 437.1m + L.T.Debt 100.7m))
RoIC = 1.23% (NOPAT 6.63m / Invested Capital 538.1m)
WACC = 7.09% (E(900.2m)/V(1.00b) * Re(7.76%) + D(100.7m)/V(1.00b) * Rd(1.42%) * (1-Tc(0.25)))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.16%
[DCF Debug] Terminal Value 81.06% ; FCFE base≈241.1m ; Y1≈289.6m ; Y5≈464.5m
Fair Price DCF = 282.9 (DCF Value 7.94b / Shares Outstanding 28.0m; 5y FCF grow 21.46% → 3.0% )
EPS Correlation: 48.38 | EPS CAGR: 49.45% | SUE: 4.0 | # QB: 3
Revenue Correlation: 96.31 | Revenue CAGR: 8.76% | SUE: 0.96 | # QB: 6
EPS next Quarter (2026-03-31): EPS=1.32 | Chg30d=+0.110 | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=3.34 | Chg30d=+0.490 | Revisions Net=+1 | Growth EPS=-27.9% | Growth Revenue=-3.7%
P/E Trailing = 7.4976
P/S = 0.5695
P/B = 1.8108
Beta = 0.748
Revenue TTM = 1.58b USD
EBIT TTM = 8.78m USD
EBITDA TTM = 167.7m USD
Long Term Debt = 100.7m USD (from longTermDebt, last quarter)
Short Term Debt = 6.62m USD (from shortTermDebt, last quarter)
Debt = 100.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -304.4m USD (from netDebt column, last quarter)
Enterprise Value = 595.8m USD (900.2m + Debt 100.7m - CCE 405.1m)
Interest Coverage Ratio = 1.53 (Ebit TTM 8.78m / Interest Expense TTM 5.73m)
FCF Yield = 41.93% (FCF TTM 249.8m / Enterprise Value 595.8m)
FCF Margin = 15.80% (FCF TTM 249.8m / Revenue TTM 1.58b)
Net Margin = 7.74% (Net Income TTM 122.4m / Revenue TTM 1.58b)
Gross Margin = 17.81% ((Revenue TTM 1.58b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Gross Margin QoQ = 21.22% (prev 19.48%)
Tobins Q-Ratio = 0.19 (Enterprise Value 595.8m / Total Assets 3.09b)
Interest Expense / Debt = 1.42% (Interest Expense 1.43m / Debt 100.7m)
Taxrate = 24.53% (12.9m / 52.8m)
NOPAT = 6.63m (EBIT 8.78m * (1 - 24.53%))
Current Ratio = 151.9 (out of range, set to none) (Total Current Assets 556.6m / Total Current Liabilities 3.66m)
Debt / Equity = 0.20 (Debt 100.7m / totalStockholderEquity, last quarter 495.0m)
Debt / EBITDA = -1.82 (Net Debt -304.4m / EBITDA 167.7m)
Debt / FCF = -1.22 (Net Debt -304.4m / FCF TTM 249.8m)
Total Stockholder Equity = 437.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.96% (Net Income 122.4m / Total Assets 3.09b)
RoE = 28.00% (Net Income TTM 122.4m / Total Stockholder Equity 437.1m)
RoCE = 1.63% (EBIT 8.78m / Capital Employed (Equity 437.1m + L.T.Debt 100.7m))
RoIC = 1.23% (NOPAT 6.63m / Invested Capital 538.1m)
WACC = 7.09% (E(900.2m)/V(1.00b) * Re(7.76%) + D(100.7m)/V(1.00b) * Rd(1.42%) * (1-Tc(0.25)))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -1.16%
[DCF Debug] Terminal Value 81.06% ; FCFE base≈241.1m ; Y1≈289.6m ; Y5≈464.5m
Fair Price DCF = 282.9 (DCF Value 7.94b / Shares Outstanding 28.0m; 5y FCF grow 21.46% → 3.0% )
EPS Correlation: 48.38 | EPS CAGR: 49.45% | SUE: 4.0 | # QB: 3
Revenue Correlation: 96.31 | Revenue CAGR: 8.76% | SUE: 0.96 | # QB: 6
EPS next Quarter (2026-03-31): EPS=1.32 | Chg30d=+0.110 | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=3.34 | Chg30d=+0.490 | Revisions Net=+1 | Growth EPS=-27.9% | Growth Revenue=-3.7%
Additional Sources for UVE Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle